I believe there's more to be had for your money by first avoiding losses, rather than just chasing a rate of return.
Along my journey, I've come to realize that almost everyone, including most so called "financial professionals," are missing important information about how money works. It's not their fault, all the mainstream media, big banks and financial companies have been preaching the same thing for decades. Commonly people are told to go to school, get a 9-5 job with a good company, put your money into a 401k or similar retirement account and retire living off the interest of their savings. But the result is it's not working for most people. They have little to no control over their money and are loosing thousands, even hundreds of thousands of dollars over their lives, to inefficiencies and lost opportunity on their money. I'm on a mission to change that by empowering people with clarity and to take back control of their wealth.